Who Can Borrow

ArborOne lends to farmers, rural residents and rural property owners. We also lend to businesses inside our territory that provide services directly to agricultural producers. We also have borrowers who live outside the area but use the loan funds in our territory.

Below are general guidelines for who can borrow per category of borrower. Please feel free to contact us to discuss your particular situation or if you have specific questions.

Full-Time Farmers

For individuals whose primary business (over 50 percent of assets and income) is the production of agricultural products, ArborOne can lend for all agricultural and family needs, including non-agricultural needs. This could include, but is not limited to, automobiles and trucks, educational expenses, home improvements, vacation expenses, and much more.

Part-Time Farmers

For individuals who own agricultural land or produce agricultural products and whose income from agricultural products is less than 50 percent of their total income, ArborOne can lend for all agricultural and family needs. Non-agricultural needs are limited relative to the agricultural income.

Businesses

ArborOne can lend money to businesses which process and/or market agricultural products as long as more than 50 percent of the business is owned by farmers who provide at least some of the "throughput." ArborOne can also lend money to businesses that provide services to farmers, such as crop spraying, seed cleaning, harvesting and more. The extent to which financing can be provided is based on the amount of the business's total income from farm-related services.

Find out more

Still not sure if you qualify? Contact us or drop by one of our locations to discuss how we can help.